| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $143K | $33K | $176K | 11.10% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $136K | $26K | $163K | 12.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | VISION BENEFITS OF AMERICA | $17K | — | $17K | 4.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 3,806 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,850 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 2,845 | $413K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,806 | $1.6M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,477 | $1.3M |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,806 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,806 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.